{
\def\sym#1{\ifmmode^{#1}\else\(^{#1}\)\fi}
\begin{tabular}{l*{5}{c}}
\toprule
              &  \multicolumn{1}{c}{Personal}&\multicolumn{1}{c}{Job}&\multicolumn{1}{c}{Job}\\
               & \multicolumn{1}{c}{Unemployment}&\multicolumn{1}{c}{Loss}&\multicolumn{1}{c}{Finding}\\
\cmidrule(lr){2-2}\cmidrule(lr){3-3}\cmidrule(lr){4-4}
                &\multicolumn{1}{c}{(1)}&\multicolumn{1}{c}{(2)}&\multicolumn{1}{c}{(3)}\\
\midrule
                   &         &         &         \\
Posterior: Recession (a)&0.526\sym{**}&0.900\sym{**}&    0.692\\
                &  (0.266)&  (0.428)&  (0.700)\\
                       &         &         &         \\
Posterior: Recession $\times$ (b) &   -0.822&-1.443\sym{*}&   -1.376\\
High firm insurance&  (0.527)&  (0.822)&  (1.359)\\
                     &         &         &         \\
 Pr(a+b)=0     &    0.306&    0.220&    0.347\\
& \\
Observations   &      639&      640&      639\\
\bottomrule
\end{tabular}
}
